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SAG-AFTRA Federal Credit Union,
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Rates

APR AS LOW AS1 APPLIES TO LOANS WITH AUTO TRANSFER OF PAYMENT FROM YOUR CHECKING ACCOUNT 

                                                                                                     Effective January 1st, 2024

SAVINGS
SAVINGS Accounts Terms & Balances Primary Share Savings Regular Additional Regular Share Savings IRA Share Savings Coogan Share Savings Young Performer Share Savings
Minimum Deposit to Open Account $25 None $25 $25 $25
Minimum Balance to Maintain the Account or Avoid Low Balance Fee $250 None None None None
Minimum Balance to Earn Dividends $250 $250 $25 $25 $25
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$25.00 - $9,999.99

0.300% 0.300% 0.300%
$250.00 - $9,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$10,000.00 - $24,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$25,000.00 - $49,999.99 0.300% 0.300% 0.300% 0.300% 0.300%
$50,000.00 - $99,999.99 0.650% 0.650% 0.650% 0.650% 0.650%
$100,000.00 and Over 0.700% 0.700% 0.700% 0.700% 0.700%

CERTIFICATES
CERTIFICATE Accounts Minimum Deposit and Balance $1,000** Minimum Deposit and Balance $10,000** Minimum Deposit and Balance $25,000** Minimum Deposit and Balance $50,000**
CERTIFICATE Term: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
6 Months 2.900% 3.000% 3.050% 3.100%
12 Months 3.400% 3.500% 3.550% 3.600%
24 Months 3.500% 3.600% 3.650% 3.700%
36 Months 3.600% 3.700% 3.750% 3.800%
48 Months 3.700% 3.800% 3.850% 3.900%
60 Months 3.900% 4.000% 4.050% 4.100%

CHECKING
CHECKING Accounts Terms & Balances Performance Checking Account eChecking Account Senior Checking Account Health Savings Account (HSA)
Minimum Deposit to Open Account $25 $25 $25 $25
Minimum Balance to Maintain Account None None None None
Monthly Service Charge $7.95 $0.00* $0.00* None
Minimum Average Balance to Avoid Service Charge $1,000.00** $0.00* $0.00* None
Minimum Average Balance to Earn Dividends $1,000 N/A N/A No Minimum
Balance Tiers to Earn Dividends: Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield Annual Percentage Yield
$ 0.01 and Over


0.010%
$1,000.00 and Over 0.010% N/A N/A

MONEY MARKET
MONEY MARKET Account Terms & Balances
Money Market Savings Account
Minimum Deposit to Open Account
$2,500
Minimum Balance to Maintain Account or Avoid Fee
$2,500
Minimum Balance to Earn Dividends
No Minimum
Balance Tiers to Earn Dividends:
Annual Percentage Yield
$ 0.01 - $2,499.99
0.300%
$2,500 - $24,999.99
1.000%
$25,000.00 - $49,999.99
1.050%
$50,000.00 - $74,999.99
1.800%
$75,000.00 - $99,999.99
1.900%
$100,000.00 and Over
2.000%
¹ indicates a 1% discount rate for loans scheduled for auto pay    
  APR* means Annual Percentage Rate. 
 
AUTOMOBILES
Loan Type Financing up to 120% based upon creditworthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2023 & Newer Model Years


120%



$5,000 or more


60 Months


6.99%


$19.80



5.99% 



$19.33




2023 & Newer Model Years 120% $5,000 or more 72 months 7.24% $17.17 6.24% $16.69

120% $5,000 or more 84 Months 9.24%
$16.22
8.24%
$15.71

2019-2022 Model Year 120% $5,000 or more 60 months 7.49% $20.04 6.49%
$19.57
2019-2022 Model Years
120%  $5,000 or more 72 Months 7.74% $17.41 6.74% $16.93

120%  $5,000 or more 84 Months 9.74% $16.48 8.74%
$15.97

2014-2018 Model Years  100% $5,000 or more 60 Months 8.99% $20.76 7.99%
$20.28


MOTORCYCLES, BOATS, & RVs
Loan Type Financing up to 90% based upon credit worthiness Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
2023 and Newer Model Years 90% $5,000 or more 60 Months 11.49% $22.00 10.49% $21.50

90% $5,000 or more 72 Months 11.74% $19.42 10.74%
$18.91


90% $5,000 or more 84 Months 13.74% $18.61 12.74%
$18.06

2019-2022 Model Years 90% $5,000 or more 60 Months 11.99% $22.25 10.99% $21.75

90% $5,000 or more 72 Months 12.24% $19.68 11.24% $19.17

90% $5,000 or more 84 Months 14.24% $18.88 13.24% $18.33
2014-2018 Model Years 90% $5,000 or more 60 Months 13.49% $23.01 12.49% $22.50



SIGNATURE LOANS (MINIMUM LOAN AMOUNT $1,500)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As1 Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $15,000 60 Months 12.40% $22.46 11.40% $21.95


MUSICAL INSTRUMENT AND MUSICAL EQUIPMENT LOANS
Loan Type Financing Amount Term up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term

N/A Up to $50,000
Up to 60 Months
6.99%
$19.80 5.99%
$19.29
Musical Instrument and Musical Equipment Loans must be back by a UCC filing

VISA CREDIT CARDS (VARIABLE RATE)
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term
Visa Classic
Credit Limits up to $15,000 Revolving APR as low as 12.99% N/A Prime + a margin N/A
Visa Rewards
Credit Limits up to $15,000 Revolving APR as low as 14.99% N/A Prime + a margin N/A

SHARE SECURED LOAN
Loan Type Financing Amount Term Up to APR* As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR* As Low As¹ Repayment Per $1,000 Borrowed Based on APR & Term
Automatic Payment Discount Not Available 100% of Share Bal. Up to $10,000 24 Months 3.50% $43.21


100% of Share Bal. Up to $10,000 48 Months 4.00% $22.59 - -

100% of Share Bal. Up to $10,000 72 Months 5.00% $16.11


CERTIFICATE SECURED MINIMUM LOAN AMOUNT $1,500
Loan Type Financing Amount Term Up to APR As Low As Repayment Per $1,000 Borrowed Based on APR & Term APR As Low As¹ Repayment Per $1,000 Borrowed Based on APR* & Term
Automatic Payment Discount Not Available Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate
- -

Borrow up to 90% of your Certificate Balance for 2 Years or Less

3.00% Above Certificate Dividend Rate



Home Equity Line of Credit
Loan Type CLTV Amount Maximum Term Up to APR*
Home Equity Line of Credit Up to 70% $125,000 20 year 8.75%
Home Equity Line of Credit Up to 80% $125,000 20 year 9.00%

MORTGAGE LOANS
Loan Type LTV Amount Maximum APR* as of 5/20/24
5/1 ARM 80% $2,000,000 6.125%
15-Year Fixed 80% $2,000,000 5.750%
30-Year Fixed 80% $2,000,000 6.500%
All loans are contingent on approval, rates, terms, conditions, and are subject to change at any time and without notice. Your rate is not final until you have received a Locked Commitment.
*APR means Annual Percentage Rate
*Auto Loan rates over $100,000 will be subject to a 0.50% rate increase